Re: Do you use a financial planner?
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Financial planners do not neccessarily try to beat the market. Many add value mainly by matching their client's risk tolerance to a portfolio, managing that portfolio, and also sometimes by providing access to DFA funds, which are superior to Vanguard's in many respects.
So many people in the real world make terrible investing decisions YOU WOULDN'T BELIEVE how dumb they are.
A financial advisor who knows anything, but esp the ins and outs can really help them out.
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